When to file a claim.First - Who's Fault was it?
- Other Party? turn in to their insruance
- Deer? Thats typically COMP coverage because deer don't carry any.
- Weather? Is also COMP./
If you were at fault, then you probably need to turn in the claims.
But First... what was damaged?
- Was it very minor? Like no damge?
- Were there NO INJURIES?
- Was it a single vehicle accident?
This all depends of Who was at fault and then what type of Coverage you have.
If it was your fault and you hurt or damage someone else's property, Your Liability should come be triggered.
If your car was damaged while it was moving, this would trigger your Collision Coverage.
If no one was at fault like a deer of some kind of weather event, this would fall under Comprehensive Coverage.
Remember, you would have needed to have purchased this coverage Before an accident.